Roast mode 🔥

A portfolio that thinks diversification is just a fancy word for more of the same

Report created on Aug 3, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

4/5
Broadly Diversified
Less diversification More diversification

Positions

This portfolio is like a dinner plate with five kinds of potatoes — sure, it's technically varied, but we're hardly hitting all the food groups here. With 65% of the portfolio in two Vanguard ETFs that likely overlap more than teenagers' hands at a high school dance, it's clear that the concept of diversification was taken with a grain of salt. And then there's a 15% allocation to NVIDIA, because why diversify when you can ride the tech wave until it crashes into the shore?

Growth Info

Boasting a CAGR of 21.71%, this portfolio might look like it's on steroids at first glance. But let's not forget, past performance is like being the high school quarterback — great at the time, but not necessarily indicative of future success. The -34.41% max drawdown is a reality check, reminding us that volatility is the price of admission for those eye-popping returns. And relying on 29 days for 90% of returns? That's like betting your retirement on a few lucky dice rolls.

Projection Info

Monte Carlo simulations predict a wild ride, with potential outcomes ranging from "buying a yacht" to "working at 80." While the median projection might have you popping champagne, remember that Monte Carlo is like weather forecasting for your money — useful, but pack an umbrella (and maybe a second job application) just in case.

Asset classes Info

  • Stocks
    99%
  • Cash
    1%

With 99% in stocks and a token 1% in cash, this portfolio is more unbalanced than a one-legged yoga pose. It's like going to Vegas and putting all your chips on black because "diversification is for the weak." While stocks have historically provided strong returns, this asset allocation is like driving with no seatbelts — thrilling until you hit a bump.

Sectors Info

  • Technology
    41%
  • Financials
    13%
  • Consumer Discretionary
    9%
  • Industrials
    8%
  • Health Care
    8%
  • Telecommunications
    8%
  • Consumer Staples
    5%
  • Energy
    3%
  • Basic Materials
    2%
  • Utilities
    2%
  • Real Estate
    2%

A whopping 41% in technology makes it clear this portfolio is chasing the Silicon Valley dream. But with sectors like healthcare and consumer goods pushed to the sidelines, it's like building a football team with only quarterbacks. Sure, you'll throw far, but good luck when it's time to defend against a market downturn.

Regions Info

  • North America
    86%
  • Europe Developed
    6%
  • Asia Emerging
    2%
  • Japan
    2%
  • Asia Developed
    2%
  • Australasia
    1%
  • Africa/Middle East
    1%

This portfolio is as American as apple pie, with a whopping 86% in North America. It's like planning a world tour and only visiting the United States. Sure, the domestic market is a powerhouse, but ignoring the rest of the world's markets is like refusing to acknowledge that there are other desserts besides pie.

Market capitalization Info

  • Mega-cap
    53%
  • Large-cap
    28%
  • Mid-cap
    15%
  • Small-cap
    2%
  • Micro-cap
    1%

With a heavy lean towards mega and big caps, this portfolio is hanging out with the cool kids and ignoring the potentials of the playground's smaller contenders. It's a safe bet until the big kids graduate, and you're left wondering what the next generation holds.

Redundant positions Info

  • Vanguard S&P 500 ETF
    Vanguard Total Stock Market Index Fund ETF Shares
    High correlation

The love affair between the Vanguard S&P 500 ETF and the Total Stock Market Index Fund is a classic tale of redundancy. It's like owning two copies of the same book, hoping one will have a different ending. This high correlation screams for a diversification makeover, unless the goal is to collect matching sets.

Risk vs. return

This chart shows the Efficient Frontier, calculated using your current assets with different allocation combinations. It highlights the best balance between risk and return based on historical data. "Efficient" portfolios maximize returns for a given risk or minimize risk for a given return. Portfolios below the curve are less efficient. This is informational and not a recommendation to buy or sell any assets.

Click on the colored dots to explore allocations.

The portfolio's approach to risk vs. return is like trying to balance on a seesaw alone. You might manage it for a while, but it's hardly efficient or comfortable. With an over-reliance on correlated assets, the portfolio is more vulnerable than it appears. Striving for the Efficient Frontier is about finding balance, not just gunning for returns with blinders on.

Dividends Info

  • Invesco NASDAQ 100 ETF 0.50%
  • Vanguard S&P 500 ETF 1.20%
  • Vanguard Total Stock Market Index Fund ETF Shares 1.20%
  • Vanguard Total International Stock Index Fund ETF Shares 2.90%
  • Weighted yield (per year) 1.24%

With an overall yield of 1.24%, the portfolio isn't exactly a dividend powerhouse. It's like owning a lemonade stand that only serves on cloudy days — sure, you'll get some thirsty passersby, but it's hardly a reliable income stream. A more balanced approach to dividend-generating assets might add some zest to this lemonade stand.

Ongoing product costs Info

  • Invesco NASDAQ 100 ETF 0.15%
  • Vanguard S&P 500 ETF 0.03%
  • Vanguard Total Stock Market Index Fund ETF Shares 0.03%
  • Vanguard Total International Stock Index Fund ETF Shares 0.05%
  • Weighted costs total (per year) 0.03%

The portfolio's costs are so low they're practically limbo dancing under a bar set on the ground. With total expenses hovering around 0.03%, it's one of the few things this portfolio gets right. At least you won't be bleeding money on fees, just on the rollercoaster ride of tech stocks and mega-caps.

What next?

Ready to invest in this portfolio?

Select a broker that fits your needs and watch for low fees to maximize your returns.

Select broker

Create your own report?

Analyze your portfolio

Join our community!

Join Discord

The information provided on this platform is for informational purposes only and should not be considered as financial or investment advice. Insightfolio does not provide investment advice, personalized recommendations, or guidance regarding the purchase, holding, or sale of financial assets. The tools and content are intended for educational purposes only and are not tailored to individual circumstances, financial needs, or objectives.

Insightfolio assumes no liability for the accuracy, completeness, or reliability of the information presented. Users are solely responsible for verifying the information and making independent decisions based on their own research and careful consideration. Use of the platform should not replace consultation with qualified financial professionals.

Investments involve risks. Users should be aware that the value of investments may fluctuate and that past performance is not an indicator of future results. Investment decisions should be based on personal financial goals, risk tolerance, and independent evaluation of relevant information.

Insightfolio does not endorse or guarantee the suitability of any particular financial product, security, or strategy. Any projections, forecasts, or hypothetical scenarios presented on the platform are for illustrative purposes only and are not guarantees of future outcomes.

By accessing the services, information, or content offered by Insightfolio, users acknowledge and agree to these terms of the disclaimer. If you do not agree to these terms, please do not use our platform.

Instrument logos provided by Elbstream.

Help us improve Insightfolio

Your feedback makes a difference! Share your thoughts in our quick survey. Take the survey